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It does seem to me that Cary has failed to examine the possible cultural issues at play. For one thing, I think others have pointed out that it may be that LW's boyfriend would be committing a serious faux pas by refusing to take the money.
The length of time that passed after the money disappeared indicates to me that the host may have a pretty good idea where that money went. I haven't lived in Africa, but I have lived in India and I know that under the circumstances described -- a locked house with limited access and only a small number of possible culprits -- this host may have figured out exactly who took that money. The host may have preferred to return the money himself, rather than have the matter reported to the authorities.